.elementor-7003 .elementor-element.elementor-element-26e5ab5{--display:flex;--margin-top:-35px;--margin-bottom:0px;--margin-left:0px;--margin-right:0px;overflow:visible;}.elementor-widget .tippy-tooltip .tippy-content{text-align:center;}/* Start custom CSS for html, class: .elementor-element-2f356cb *//* ==========================================================================
   VPCL Learning Center Article (Scoped)
   Scope: #vpcl-refi-investment-article
   ========================================================================== */


/* ==========================================================================
   0) Global helper: anchor jump fix for sticky header (TOC clicks)
   ========================================================================== */
html{ scroll-padding-top: 110px; }


/* ==========================================================================
   1) Design tokens + base scope
   - All variables live on the article wrapper for easy reuse.
   - Includes the base font family + smoothing.
   ========================================================================== */
#vpcl-refi-investment-article{
  /* --- brand + palette --- */
  --vpcl-gold:#c89c39;
  --vpcl-gold-hover:#b0862f;
  --vpcl-ink:#121417;
  --vpcl-muted:#5e6a75;
  --vpcl-line:#e7ebf0;
  --vpcl-soft:#f7f9fc;
  --vpcl-card:#ffffff;

  /* --- radii + shadows --- */
  --vpcl-radius:18px;
  --vpcl-radius-hero:28px;
  --vpcl-shadow:0 10px 30px rgba(16,24,40,.08);
  --vpcl-shadow-soft:0 6px 18px rgba(16,24,40,.06);

  /* --- layout sizing --- */
  --vpcl-max:1180px;
  --vpcl-gutter:18px;

  /* --- rhythm + spacing system --- */
  --vpcl-sticky-offset:150px;
  --vpcl-section-gap: clamp(28px, 3.2vw, 40px);
  --vpcl-block-gap: 14px;
  --vpcl-card-pad: 22px;

  /* --- base typography --- */
  font-family:"Open Sans", system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  color:var(--vpcl-ink);
  -webkit-font-smoothing:antialiased;
  -moz-osx-font-smoothing:grayscale;

  /* Allows inner anchors to account for sticky header */
  scroll-padding-top: var(--vpcl-sticky-offset);
}

/* Box sizing within scoped article only */
#vpcl-refi-investment-article *{ box-sizing:border-box; }

/* Headings use Raleway, consistent letter-spacing and color */
#vpcl-refi-investment-article h1,
#vpcl-refi-investment-article h2,
#vpcl-refi-investment-article h3{
  font-family:"Raleway", system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  letter-spacing:-.02em;
  color:var(--vpcl-ink);
}


/* ==========================================================================
   2) Links + muted helper
   - Default links are “ink” and un-underlined (Elementor safe)
   - Body links inside .vpcl-content get gold hover (excluding buttons)
   ========================================================================== */
#vpcl-refi-investment-article a{
  color:var(--vpcl-ink);
  text-decoration:none !important;
  border-bottom:none !important;
  transition: color .12s ease, background .12s ease, transform .12s ease;
}
#vpcl-refi-investment-article a:hover{
  text-decoration:none !important;
  border-bottom:none !important;
}
#vpcl-refi-investment-article .vpcl-content a:not(.vpcl-btn):hover{
  color:var(--vpcl-gold-hover);
}

/* Small muted helper text (used in multiple components) */
#vpcl-refi-investment-article .vpcl-muted{
  color:var(--vpcl-muted);
  display:block;
  font-size:.95rem;
  margin-top:.35rem;
}


/* ==========================================================================
   3) HERO
   - Wrapper background + border
   - Inner grid layout
   - Eyebrow, H1, subhead
   - CTA row + badges
   - Mini cards (right column)
   ========================================================================== */

/* Hero container background + framing */
#vpcl-refi-investment-article .vpcl-hero{
  background:
    radial-gradient(1200px 600px at 20% 0%, rgba(200,156,57,.15), transparent 50%),
    radial-gradient(900px 500px at 100% 20%, rgba(200,156,57,.10), transparent 55%),
    linear-gradient(180deg, #ffffff, #fbfbfd);
  border-bottom:1px solid var(--vpcl-line);
  border-radius: var(--vpcl-radius-hero);
  overflow:hidden;
}

/* Hero inner layout: copy left + cards right */
#vpcl-refi-investment-article .vpcl-hero-inner{
  max-width:var(--vpcl-max);
  margin:0 auto;
  padding: clamp(38px, 4.2vw, 56px) var(--vpcl-gutter) clamp(26px, 3.2vw, 40px);
  display:grid;
  grid-template-columns:1.2fr .8fr;
  gap:18px;
  align-items:start;
}

/* Eyebrow pill */
#vpcl-refi-investment-article .vpcl-eyebrow{
  display:inline-flex;
  font-size:.9rem;
  color:var(--vpcl-muted);
  background:rgba(18,20,23,.04);
  border:1px solid rgba(18,20,23,.06);
  padding:6px 10px;
  border-radius:999px;
  margin:0 0 14px;
}

/* H1 styling (scoped) */
#vpcl-refi-investment-article h1{
  margin:0 0 12px;
  font-size:clamp(30px, 3.2vw, 44px);
  line-height:1.08;
  font-weight:700;
}

/* Hero subhead */
#vpcl-refi-investment-article .vpcl-subhead{
  margin:0 0 18px;
  font-size:1.05rem;
  line-height:1.75;
  color:var(--vpcl-muted);
  max-width:62ch;
}

/* Hero CTA row */
#vpcl-refi-investment-article .vpcl-hero-ctas{
  display:flex;
  flex-wrap:wrap;
  gap:10px;
  margin:18px 0 14px;
}

/* Hero badges row */
#vpcl-refi-investment-article .vpcl-hero-badges{
  display:flex;
  flex-wrap:wrap;
  gap:8px;
  margin-top:10px;
}
#vpcl-refi-investment-article .vpcl-badge{
  font-size:.88rem;
  color:var(--vpcl-muted);
  background:rgba(18,20,23,.03);
  border:1px solid rgba(18,20,23,.07);
  padding:8px 10px;
  border-radius:999px;
}

/* Right-column mini cards */
#vpcl-refi-investment-article .vpcl-hero-cards{
  display:grid;
  gap:12px;
}
#vpcl-refi-investment-article .vpcl-mini-card{
  background:var(--vpcl-card);
  border:1px solid var(--vpcl-line);
  border-radius:var(--vpcl-radius);
  padding:16px;
  box-shadow:var(--vpcl-shadow-soft);
  transition:transform .12s ease, border-color .12s ease;
}
#vpcl-refi-investment-article .vpcl-mini-card:hover{
  transform:translateY(-2px);
  border-color:rgba(200,156,57,.45);
}
#vpcl-refi-investment-article .vpcl-mini-title{
  font-weight:900;
  margin-bottom:6px;
}
#vpcl-refi-investment-article .vpcl-mini-text{
  color:var(--vpcl-muted);
  line-height:1.65;
  font-size:.95rem;
}
#vpcl-refi-investment-article .vpcl-mini-link{
  margin-top:8px;
  font-weight:900;
  color:var(--vpcl-ink);
}


/* ==========================================================================
   4) LAYOUT + TOC
   - Main grid: TOC left, content right
   - Sticky TOC behavior
   ========================================================================== */
#vpcl-refi-investment-article .vpcl-layout{
  max-width:var(--vpcl-max);
  margin:0 auto;
  padding: clamp(22px, 2.6vw, 34px) var(--vpcl-gutter) clamp(54px, 5vw, 76px);
  display:grid;
  grid-template-columns:300px 1fr;
  gap:20px;
}
#vpcl-refi-investment-article .vpcl-content{
  min-width:0;
  max-width:840px;
}

/* Sticky TOC card */
#vpcl-refi-investment-article .vpcl-toc{
  position:sticky;
  top:calc(var(--vpcl-sticky-offset) + 14px);
  align-self:start;
  background:var(--vpcl-card);
  border:1px solid var(--vpcl-line);
  border-radius:var(--vpcl-radius);
  padding:18px 16px 16px;
  box-shadow:var(--vpcl-shadow-soft);
  max-height:calc(100vh - var(--vpcl-sticky-offset) - 28px);
  overflow:auto;
  -webkit-overflow-scrolling:touch;
}
#vpcl-refi-investment-article .vpcl-toc-title{
  font-weight:800;
  margin-bottom:10px;
}
#vpcl-refi-investment-article .vpcl-toc a{
  display:block;
  padding:10px 12px;
  border-radius:12px;
  color:var(--vpcl-muted);
  font-weight:700;
  transition:background .12s ease, color .12s ease;
}
#vpcl-refi-investment-article .vpcl-toc a:hover{
  background:rgba(200,156,57,.12);
  color:var(--vpcl-ink);
}


/* ==========================================================================
   5) SECTIONS + TYPOGRAPHY
   - Section spacing, anchor scroll margin
   - H2 + paragraph rhythm
   - Callout spacing rhythm adjustment
   ========================================================================== */
#vpcl-refi-investment-article .vpcl-section{
  margin-top:var(--vpcl-section-gap);
  padding-top:6px;
  scroll-margin-top:var(--vpcl-sticky-offset);
}
#vpcl-refi-investment-article .vpcl-section:first-of-type{
  margin-top: clamp(8px, 1vw, 14px);
}
#vpcl-refi-investment-article .vpcl-section h2{
  font-size:clamp(22px, 2.2vw, 30px);
  margin:0 0 14px;
  line-height:1.2;
  font-weight:700;
  letter-spacing:-.015em;
}
#vpcl-refi-investment-article .vpcl-section p{
  color:var(--vpcl-muted);
  line-height:1.78;
  margin:0 0 var(--vpcl-block-gap);
  font-size:1.02rem;
}

/* Better rhythm after callouts */
#vpcl-refi-investment-article .vpcl-callout{
  margin-top:16px;
  margin-bottom:28px;
}
#vpcl-refi-investment-article .vpcl-callout + .vpcl-section{
  margin-top: clamp(26px, 3vw, 38px);
}


/* ==========================================================================
   6) CARDS + GRIDS
   - 2-column grid
   - General card style
   - Card internal paragraph “light bullets”
   - Inline CTA
   ========================================================================== */
#vpcl-refi-investment-article .vpcl-grid-2{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:16px;
  margin-top:18px;
}

#vpcl-refi-investment-article .vpcl-card{
  background:var(--vpcl-card);
  border:1px solid var(--vpcl-line);
  border-radius:var(--vpcl-radius);
  padding:var(--vpcl-card-pad);
  box-shadow:var(--vpcl-shadow-soft);
  line-height:1.75;
}
#vpcl-refi-investment-article .vpcl-card h3{
  margin:0 0 10px;
  font-size:1.12rem;
  line-height:1.25;
  font-weight:800;
}

/* Card body rhythm (with CSS “bullets”) */
#vpcl-refi-investment-article .vpcl-card p{
  position:relative;
  margin:0 0 14px;
  color:var(--vpcl-muted);
  padding-left:18px;
}
#vpcl-refi-investment-article .vpcl-card p:last-child{ margin-bottom:0; }

/* Light bullets inside cards */
#vpcl-refi-investment-article .vpcl-card p::before{
  content:"";
  position:absolute;
  left:0;
  top:.62em;
  width:6px;
  height:6px;
  border-radius:999px;
  background:rgba(200,156,57,.75);
}

/* Do not bullet the first paragraph (usually a lead sentence) */
#vpcl-refi-investment-article .vpcl-card p:first-of-type{
  padding-left:0;
}
#vpcl-refi-investment-article .vpcl-card p:first-of-type::before{
  display:none;
}

/* Inline CTA link row */
#vpcl-refi-investment-article .vpcl-inline-cta{ margin-top:12px; }
#vpcl-refi-investment-article .vpcl-inline-cta a{
  display:inline-flex;
  font-weight:900;
  color:var(--vpcl-ink);
}
#vpcl-refi-investment-article .vpcl-inline-cta a:hover{ color:var(--vpcl-gold-hover); }


/* ==========================================================================
   7) COMPARE TABLE
   - Grid-based “table” for easy responsive stacking
   ========================================================================== */
#vpcl-refi-investment-article .vpcl-compare{
  margin-top:16px;
  border:1px solid var(--vpcl-line);
  border-radius:var(--vpcl-radius);
  overflow:hidden;
  background:var(--vpcl-card);
  box-shadow:var(--vpcl-shadow-soft);
}
#vpcl-refi-investment-article .vpcl-compare-row{
  display:grid;
  grid-template-columns:1fr 1.2fr 1.2fr;
  gap:12px;
  padding:13px 14px;
  border-top:1px solid var(--vpcl-line);
  align-items:start;
  color:var(--vpcl-muted);
  line-height:1.6;
}
#vpcl-refi-investment-article .vpcl-compare-row strong{ color:var(--vpcl-ink); }
#vpcl-refi-investment-article .vpcl-compare-head{
  border-top:none;
  background:rgba(18,20,23,.03);
  color:var(--vpcl-ink);
  font-weight:900;
}

/* Breathing room before comparison CTA text */
#vpcl-refi-investment-article .vpcl-compare + p{
  margin-top:26px;
}

/* Footnote line below compare block */
#vpcl-refi-investment-article .vpcl-footnote{
  margin-top:12px;
  font-size:.98rem;
  color:var(--vpcl-muted);
}


/* ==========================================================================
   8) MATH BLOCK
   - Highlighted formula row + monospace values
   ========================================================================== */
#vpcl-refi-investment-article .vpcl-math{
  margin:14px 0 16px;
  padding:14px;
  border-radius:16px;
  border:1px dashed rgba(200,156,57,.45);
  background:rgba(200,156,57,.08);
}
#vpcl-refi-investment-article .vpcl-math-line{
  display:flex;
  flex-wrap:wrap;
  gap:12px;
  align-items:center;
  font-weight:900;
  color:var(--vpcl-ink);
}
#vpcl-refi-investment-article .vpcl-math-eq{
  width:26px;
  height:26px;
  border-radius:999px;
  display:flex;
  align-items:center;
  justify-content:center;
  border:1px solid rgba(18,20,23,.14);
  background:#fff;
}
#vpcl-refi-investment-article .vpcl-math-val{
  font-family:ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, monospace;
  font-size:.98rem;
}


/* ==========================================================================
   9) LISTS (native / custom)
   - .vpcl-bullets: custom dot bullets
   - .vpcl-ordered: standard ordered list styling
   ========================================================================== */
#vpcl-refi-investment-article .vpcl-bullets{
  margin: 12px 0 0;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 10px;
}
#vpcl-refi-investment-article .vpcl-bullets li{
  position: relative;
  padding-left: 18px;
  color: var(--vpcl-muted);
  line-height: 1.7;
  font-size: .98rem;
}
#vpcl-refi-investment-article .vpcl-bullets li::before{
  content: "";
  position: absolute;
  left: 0;
  top: .62em;
  width: 6px;
  height: 6px;
  border-radius: 999px;
  background: rgba(200,156,57,.8);
  box-shadow: 0 0 0 4px rgba(200,156,57,.14);
}

#vpcl-refi-investment-article .vpcl-ordered{
  margin:12px 0 0;
  padding-left:20px;
  color:var(--vpcl-muted);
  line-height:1.75;
}
#vpcl-refi-investment-article .vpcl-ordered li{ margin:10px 0; }


/* ==========================================================================
   10) CALLOUTS
   - Note + warning variants (left border emphasis)
   ========================================================================== */
#vpcl-refi-investment-article .vpcl-callout{
  border-radius:var(--vpcl-radius);
  padding:16px 18px;
  border:1px solid var(--vpcl-line);
  background:var(--vpcl-soft);
  box-shadow:var(--vpcl-shadow-soft);
}
#vpcl-refi-investment-article .vpcl-callout-title{
  font-weight:900;
  margin-bottom:6px;
  color:var(--vpcl-ink);
}
#vpcl-refi-investment-article .vpcl-note{ border-left:5px solid rgba(200,156,57,.85); }
#vpcl-refi-investment-article .vpcl-warning{ border-left:5px solid rgba(18,20,23,.65); }


/* ==========================================================================
   11) STEPS
   - Numbered step list with a left “num pill”
   ========================================================================== */
#vpcl-refi-investment-article .vpcl-steps{
  margin-top:16px;
  display:grid;
  gap:10px;
}
#vpcl-refi-investment-article .vpcl-step{
  display:grid;
  grid-template-columns:44px 1fr;
  gap:12px;
  align-items:start;
  background:var(--vpcl-card);
  border:1px solid var(--vpcl-line);
  border-radius:var(--vpcl-radius);
  padding:16px;
  box-shadow:var(--vpcl-shadow-soft);
}
#vpcl-refi-investment-article .vpcl-step-num{
  width:36px;
  height:36px;
  border-radius:12px;
  background:rgba(200,156,57,.18);
  border:1px solid rgba(200,156,57,.35);
  display:flex;
  align-items:center;
  justify-content:center;
  font-weight:700;
}

/* Step content overrides: prevent card-style bullets */
#vpcl-refi-investment-article .vpcl-step-body h3{ margin:0 0 6px; font-weight:700; }
#vpcl-refi-investment-article .vpcl-step-body p{ margin:0; padding-left:0; }
#vpcl-refi-investment-article .vpcl-step-body p::before{ display:none; }
#vpcl-refi-investment-article .vpcl-step-body{ margin-top: 5px; }


/* ==========================================================================
   12) CTA BANNER + SPLIT CTA
   - Two CTA container styles
   - Both remove any inherited “card bullets”
   ========================================================================== */
#vpcl-refi-investment-article .vpcl-cta-banner{
  margin-top:18px;
  background:linear-gradient(135deg, rgba(200,156,57,.16), rgba(18,20,23,.03));
  border:1px solid rgba(200,156,57,.35);
  border-radius:calc(var(--vpcl-radius) + 6px);
  padding:18px;
  display:flex;
  flex-wrap:wrap;
  gap:14px;
  align-items:center;
  justify-content:space-between;
  box-shadow:var(--vpcl-shadow);
}
#vpcl-refi-investment-article .vpcl-cta-banner h3{ margin:0 0 6px; font-weight:900; }
#vpcl-refi-investment-article .vpcl-cta-banner p{ margin:0; max-width:72ch; padding-left:0; }
#vpcl-refi-investment-article .vpcl-cta-banner p::before{ display:none; }
#vpcl-refi-investment-article .vpcl-cta-banner-actions{
  display:flex;
  gap:10px;
  flex-wrap:wrap;
}

#vpcl-refi-investment-article .vpcl-split-cta{
  margin-top:18px;
  background:#fff;
  border:1px solid var(--vpcl-line);
  border-radius:calc(var(--vpcl-radius) + 6px);
  padding:16px;
  display:flex;
  flex-wrap:wrap;
  gap:12px;
  align-items:center;
  justify-content:space-between;
  box-shadow:var(--vpcl-shadow-soft);
}
#vpcl-refi-investment-article .vpcl-split-cta h3{ margin:0 0 6px; font-weight:900; }
#vpcl-refi-investment-article .vpcl-split-cta p{ margin:0; padding-left:0; }
#vpcl-refi-investment-article .vpcl-split-cta p::before{ display:none; }
#vpcl-refi-investment-article .vpcl-split-cta-actions{
  display:flex;
  gap:10px;
  flex-wrap:wrap;
}


/* ==========================================================================
   13) CHECKLIST
   - Dot + text grid row
   ========================================================================== */
#vpcl-refi-investment-article .vpcl-checklist{
  margin-top:14px;
  background:var(--vpcl-card);
  border:1px solid var(--vpcl-line);
  border-radius:var(--vpcl-radius);
  padding:16px;
  box-shadow:var(--vpcl-shadow-soft);
  display:grid;
  gap:10px;
}
#vpcl-refi-investment-article .vpcl-check{
  display: grid;
  grid-template-columns: 14px 1fr;
  gap: 12px;
  align-items: flex-start;
  color: var(--vpcl-muted);
  line-height: 1.7;
  font-size: .98rem;
}
#vpcl-refi-investment-article .vpcl-check-dot{
  width: 6px;
  height: 6px;
  margin-top: .65em; /* aligns with first line of text */
  border-radius: 999px;
  background: rgba(200,156,57,.8);
  box-shadow: 0 0 0 4px rgba(200,156,57,.14);
}
#vpcl-refi-investment-article .vpcl-check strong{
  color: var(--vpcl-ink);
  font-weight: 600;
}


/* ==========================================================================
   14) FAQ (accordion)
   - Button row + icon + expanding answer
   ========================================================================== */
#vpcl-refi-investment-article .vpcl-faq{
  margin-top:10px;
  border:1px solid var(--vpcl-line);
  border-radius:var(--vpcl-radius);
  overflow:hidden;
  background:var(--vpcl-card);
  box-shadow:var(--vpcl-shadow-soft);
}
#vpcl-refi-investment-article .vpcl-faq-q{
  width:100%;
  text-align:left;
  background:#fff;
  border:none;
  padding:14px 16px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:12px;
  font-weight:700;
  cursor:pointer;
  color:var(--vpcl-ink);
}
#vpcl-refi-investment-article .vpcl-faq-q:focus{
  outline:3px solid rgba(200,156,57,.25);
  outline-offset:-3px;
}
#vpcl-refi-investment-article .vpcl-faq-icon{
  width:28px;
  height:28px;
  border-radius:10px;
  display:flex;
  align-items:center;
  justify-content:center;
  border:1px solid rgba(18,20,23,.12);
  background:rgba(18,20,23,.03);
  font-weight:900;
}
#vpcl-refi-investment-article .vpcl-faq-a{
  max-height:0;
  overflow:hidden;
  transition:max-height .18s ease;
  border-top:1px solid var(--vpcl-line);
}
#vpcl-refi-investment-article .vpcl-faq-a p{
  padding:12px 16px 14px;
  margin:0;
  padding-left: 18px;
  padding-right: 18px;
}
#vpcl-refi-investment-article .vpcl-faq-a p::before{ display:none; }
#vpcl-refi-investment-article .vpcl-faq.is-open .vpcl-faq-a{ max-height:420px; }
#vpcl-refi-investment-article .vpcl-faq.is-open .vpcl-faq-icon{
  background:rgba(200,156,57,.14);
  border-color:rgba(200,156,57,.35);
}


/* ==========================================================================
   15) NEXT STEPS + DISCLAIMER
   ========================================================================== */
#vpcl-refi-investment-article .vpcl-next-steps{
  margin-top:16px;
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:12px;
}
#vpcl-refi-investment-article .vpcl-next{
  background:var(--vpcl-card);
  border:1px solid var(--vpcl-line);
  border-radius:var(--vpcl-radius);
  padding:16px;
  box-shadow:var(--vpcl-shadow-soft);
  transition:transform .12s ease, border-color .12s ease;
}
#vpcl-refi-investment-article .vpcl-next:hover{
  transform:translateY(-2px);
  border-color:rgba(200,156,57,.45);
}
#vpcl-refi-investment-article .vpcl-next-top{
  font-size:.86rem;
  font-weight:900;
  color:var(--vpcl-gold-hover);
  margin-bottom:6px;
}
#vpcl-refi-investment-article .vpcl-next-title{
  font-weight:900;
  margin-bottom:6px;
}
#vpcl-refi-investment-article .vpcl-next-text{
  color:var(--vpcl-muted);
  line-height:1.65;
}

#vpcl-refi-investment-article .vpcl-disclaimer{
  margin-top:18px;
  border:1px solid rgba(18,20,23,.12);
  background:rgba(18,20,23,.03);
  border-radius:var(--vpcl-radius);
  padding:14px 16px;
  color:var(--vpcl-muted);
  line-height:1.7;
}


/* ==========================================================================
   16) BUTTONS + OVERRIDES (Elementor-safe)
   - Base .vpcl-btn styles
   - Primary / Secondary variants
   - Link/visited resets for consistency
   ========================================================================== */
#vpcl-refi-investment-article .vpcl-btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:8px;
  padding:12px 16px;
  border-radius:999px;
  border:1px solid transparent;
  font-weight:900;
  box-shadow:var(--vpcl-shadow-soft);
  cursor:pointer;
  text-decoration:none !important;
}

#vpcl-refi-investment-article .vpcl-btn-primary{
  background:var(--vpcl-gold);
  color:#101215;
}
#vpcl-refi-investment-article .vpcl-btn-primary:hover{
  background:var(--vpcl-gold-hover);
}

#vpcl-refi-investment-article .vpcl-btn-secondary{
  background:#fff;
  border-color:rgba(18,20,23,.14);
  color:var(--vpcl-ink);
}
#vpcl-refi-investment-article .vpcl-btn-secondary:hover{
  border-color:rgba(176,134,47,.55);
}

/* Ensure buttons are not “messed with” by theme/link states */
#vpcl-refi-investment-article .vpcl-btn,
#vpcl-refi-investment-article .vpcl-btn:link,
#vpcl-refi-investment-article .vpcl-btn:visited{
  text-decoration:none !important;
  border-bottom:none !important;
  opacity:1 !important;
  filter:none !important;
  -webkit-text-fill-color:currentColor !important;
}

/* Force <a> button colors (common Elementor specificity issue) */
#vpcl-refi-investment-article a.vpcl-btn.vpcl-btn-primary,
#vpcl-refi-investment-article a.vpcl-btn.vpcl-btn-primary:link,
#vpcl-refi-investment-article a.vpcl-btn.vpcl-btn-primary:visited{
  background:var(--vpcl-gold) !important;
  color:#ffffff !important;
  border:1px solid var(--vpcl-gold) !important;
  box-shadow:var(--vpcl-shadow-soft) !important;
}
#vpcl-refi-investment-article a.vpcl-btn.vpcl-btn-primary:hover{
  background:var(--vpcl-gold-hover) !important;
  border-color:var(--vpcl-gold-hover) !important;
  color:#ffffff !important;
}

#vpcl-refi-investment-article a.vpcl-btn.vpcl-btn-secondary,
#vpcl-refi-investment-article a.vpcl-btn.vpcl-btn-secondary:link,
#vpcl-refi-investment-article a.vpcl-btn.vpcl-btn-secondary:visited{
  background:#ffffff !important;
  color:var(--vpcl-gold-hover) !important;
  border:1px solid rgba(200,156,57,.55) !important;
  box-shadow:var(--vpcl-shadow-soft) !important;
}
#vpcl-refi-investment-article a.vpcl-btn.vpcl-btn-secondary:hover{
  background:rgba(200,156,57,.10) !important;
  border-color:var(--vpcl-gold-hover) !important;
  color:var(--vpcl-gold-hover) !important;
}


/* ==========================================================================
   VPCL Refi Investment Article — Optimized Responsive CSS
   Scope: #vpcl-refi-investment-article
   ========================================================================== */


/* ==========================================================================
   <= 1140px (optional “large tablet / small laptop” polish)
   - Prevent cramped sidebar + content widths and improve spacing.
   ========================================================================== */
@media (max-width: 1140px){
  #vpcl-refi-investment-article .vpcl-layout{
    grid-template-columns: 280px 1fr;
    gap: 18px;
  }

  #vpcl-refi-investment-article .vpcl-content{
    max-width: 100%;
  }
}


/* ==========================================================================
   VPCL Refi Investment Article — Full Optimized Responsive CSS (with mobile CTA centering fix)
   Scope: #vpcl-refi-investment-article
   Paste at END of your CSS
   ========================================================================== */


/* ==========================================================================
   <= 1140px (optional “large tablet / small laptop” polish)
   - Prevent cramped sidebar + content widths and improve spacing.
   ========================================================================== */
@media (max-width: 1140px){
  #vpcl-refi-investment-article .vpcl-layout{
    grid-template-columns: 280px 1fr;
    gap: 18px;
  }

  #vpcl-refi-investment-article .vpcl-content{
    max-width: 100%;
  }
}


/* ==========================================================================
   <= 980px (tablet)
   - Collapse hero grid to single column
   - Collapse layout to single column (TOC becomes inline)
   - Adjust sticky offset + anchor scrolling
   ========================================================================== */
@media (max-width: 980px){
  html{ scroll-padding-top: 96px; }
  #vpcl-refi-investment-article{ --vpcl-sticky-offset:96px; }

  /* HERO */
  #vpcl-refi-investment-article .vpcl-hero-inner{
    grid-template-columns: 1fr;
    padding: 40px var(--vpcl-gutter) 30px;
    gap: 14px;
  }

  #vpcl-refi-investment-article .vpcl-hero-cards{
    grid-template-columns: 1fr;
    gap: 10px;
  }

  /* LAYOUT */
  #vpcl-refi-investment-article .vpcl-layout{
    grid-template-columns: 1fr;
    padding: 22px var(--vpcl-gutter) 64px;
    gap: 16px;
  }

  /* TOC becomes inline */
  #vpcl-refi-investment-article .vpcl-toc{
    position: relative;
    top: auto;
    max-height: none;
    overflow: visible;
  }

  /* CONTENT */
  #vpcl-refi-investment-article .vpcl-content{
    max-width: 100%;
  }

  /* GRIDS: stack earlier on tablets */
  #vpcl-refi-investment-article .vpcl-grid-2{
    grid-template-columns: 1fr;
    gap: 12px;
  }

  /* NEXT STEPS */
  #vpcl-refi-investment-article .vpcl-next-steps{
    grid-template-columns: 1fr;
  }

  /* COMPARE */
  #vpcl-refi-investment-article .vpcl-compare-row{
    grid-template-columns: 1fr;
    gap: 8px;
  }
}


/* ==========================================================================
   <= 860px (small tablet)
   - CTA containers wrap nicely
   - Keep spacing tight but tappable
   ========================================================================== */
@media (max-width: 860px){
  #vpcl-refi-investment-article .vpcl-hero-ctas{
    gap: 10px;
  }

  #vpcl-refi-investment-article .vpcl-cta-banner,
  #vpcl-refi-investment-article .vpcl-split-cta{
    align-items: flex-start;
  }

  #vpcl-refi-investment-article .vpcl-cta-banner-actions,
  #vpcl-refi-investment-article .vpcl-split-cta-actions{
    gap: 10px;
  }

  #vpcl-refi-investment-article .vpcl-step{
    gap: 10px;
  }
}


/* ==========================================================================
   <= 680px (large phone / phablet)
   - Reduce paddings slightly
   - TOC reads like a normal section block
   ========================================================================== */
@media (max-width: 680px){
  html{ scroll-padding-top: 92px; }
  #vpcl-refi-investment-article{ --vpcl-sticky-offset:92px; }

  #vpcl-refi-investment-article .vpcl-hero-inner{
    padding: 34px var(--vpcl-gutter) 26px;
  }

  #vpcl-refi-investment-article .vpcl-layout{
    padding: 18px var(--vpcl-gutter) 56px;
  }

  #vpcl-refi-investment-article .vpcl-toc{
    padding: 16px 14px 14px;
  }

  #vpcl-refi-investment-article .vpcl-card{
    padding: 20px;
  }

  #vpcl-refi-investment-article .vpcl-compare-row{
    padding: 12px 12px;
  }
}


/* ==========================================================================
   <= 520px (phone)
   - Full-width buttons
   - Tighter card padding
   - Reduce hero radius
   - MOBILE CTA TEXT CENTERING FIX (multi-line)
   ========================================================================== */
@media (max-width: 520px){
  html{ scroll-padding-top: 88px; }
  #vpcl-refi-investment-article{ --vpcl-sticky-offset:88px; }

  /* HERO */
  #vpcl-refi-investment-article .vpcl-hero{
    border-radius: 22px;
  }
  #vpcl-refi-investment-article .vpcl-hero-inner{
    padding: 30px var(--vpcl-gutter) 22px;
    gap: 12px;
  }

  /* BUTTONS: full width + multi-line centering fix */
  #vpcl-refi-investment-article .vpcl-btn{
    width: 100%;
    text-align: center;      /* centers wrapped lines */
    line-height: 1.25;       /* prevents vertical bias on 2-line CTAs */
    padding-top: 14px;       /* balances vertical padding on mobile */
    padding-bottom: 14px;
  }

  /* Cards: slightly tighter on phone */
  #vpcl-refi-investment-article .vpcl-card{
    padding: 18px;
  }

  /* TOC links */
  #vpcl-refi-investment-article .vpcl-toc a{
    padding: 10px 12px;
  }

  /* Badges */
  #vpcl-refi-investment-article .vpcl-badge{
    padding: 8px 10px;
  }

  /* Steps */
  #vpcl-refi-investment-article .vpcl-step{
    grid-template-columns: 40px 1fr;
    padding: 14px;
  }
  #vpcl-refi-investment-article .vpcl-step-num{
    width: 34px;
    height: 34px;
  }

  /* CTA containers */
  #vpcl-refi-investment-article .vpcl-cta-banner,
  #vpcl-refi-investment-article .vpcl-split-cta{
    padding: 14px;
  }

  #vpcl-refi-investment-article .vpcl-cta-banner-actions,
  #vpcl-refi-investment-article .vpcl-split-cta-actions{
    width: 100%;
  }
  
  /* FAQ containers */
  #vpcl-refi-investment-article .vpcl-faq-a p{
    padding-left: 20px;
    padding-right: 20px;
  }
}


/* ==========================================================================
   <= 400px (small phones)
   - Extra-tight spacing and overflow protection
   ========================================================================== */
@media (max-width: 400px){
  html{ scroll-padding-top: 84px; }
  #vpcl-refi-investment-article{ --vpcl-sticky-offset:84px; }

  #vpcl-refi-investment-article .vpcl-hero-inner{
    padding: 26px var(--vpcl-gutter) 20px;
  }

  #vpcl-refi-investment-article .vpcl-layout{
    padding: 16px var(--vpcl-gutter) 50px;
  }

  #vpcl-refi-investment-article .vpcl-card{
    padding: 16px;
  }

  #vpcl-refi-investment-article .vpcl-compare-row{
    padding: 11px 11px;
  }
}


/* ==========================================================================
   18) Typography Consistency Overrides (FONT ONLY)
   ========================================================================== */

/* Keep headings consistent (Raleway already set) */
#vpcl-refi-investment-article h1{ font-weight: 700; }
#vpcl-refi-investment-article .vpcl-section h2{ font-weight: 700; }

/* Normalize “extra bold” UI titles so they don't jump */
#vpcl-refi-investment-article .vpcl-mini-title,
#vpcl-refi-investment-article .vpcl-mini-link,
#vpcl-refi-investment-article .vpcl-next-top,
#vpcl-refi-investment-article .vpcl-next-title,
#vpcl-refi-investment-article .vpcl-callout-title,
#vpcl-refi-investment-article .vpcl-cta-banner h3,
#vpcl-refi-investment-article .vpcl-split-cta h3{
  font-weight: 700;
}

/* Card headings were 800 (felt heavier than other section titles) */
#vpcl-refi-investment-article .vpcl-card h3{
  font-weight: 700;
}

/* TOC + FAQ: keep strong but not “black” */
#vpcl-refi-investment-article .vpcl-toc-title{ font-weight: 700; }
#vpcl-refi-investment-article .vpcl-toc a{ font-weight: 600; }
#vpcl-refi-investment-article .vpcl-faq-q{ font-weight: 700; }

/* Inline “strong link” styles were reading too bold compared to body */
#vpcl-refi-investment-article .vpcl-inline-cta a{
  font-weight: 700;
}

/* Buttons: keep prominent but consistent with other UI weights */
#vpcl-refi-investment-article .vpcl-btn{
  font-weight: 700;
}

/* Ensure regular inline links don't inherit heavy weights from wrappers */
#vpcl-refi-investment-article .vpcl-content a:not(.vpcl-btn){
  font-weight: inherit;
}

/* Math block was 900 (reads louder than it needs to) */
#vpcl-refi-investment-article .vpcl-math-line{
  font-weight: 700;
}

/* FAQ icon "plus" can stay bold, but reduce if it feels too heavy */
#vpcl-refi-investment-article .vpcl-faq-icon{
  font-weight: 700;
}/* End custom CSS */